Health Solutions for Your Clients

BEST Life has two medical plans designed to fit the needs of businesses with 2 to 50 employees enrolling: a traditional PPO medical plan, and a HSA-compatible High Deductible Health Plan. 

Both plans include Pre-certification services, prescription coverage through Caremark, and employers may select from regional and national networks in AZ, GA, ID, IL, IN, MO, NV, OH, OK, TN, TX and UT.

Health Solutions II

For groups who like traditional PPO medical plans, our “Build Your Own” format gives them the choice to select the options they want:

1. Broad range of deductible, co-pay, coinsurance and out-of-pocket maximum combinations;
2. Preventive care services covered at 100%
3. Prescription coverage with the choice of:
   1. 3-tier (generic/brand/non-formulary) co-pay options alongside Rx deductible options,
   2. 50% co-pay only (no deductible), or
   3. Discount Only Card (no co-pays or deductible)

Prescription Coverage
Health solutions II include prescription benefits or discounts from Caremark.  Caremark’s network has over 60,000 participating pharmacies nationwide and offers the option to refill prescriptions by mail. A Caremark Prescription or Discount Card is included along with the member’s ID card and Certificate Booklet. To find out more about Caremark, you can visit their website at www.caremark.com.

Medical Sales Collateral

1. National Medical Benefit Brochure
   

Medical Enrollment Materials

1. National Employer Application Word | PDF
   
2. TX Employer Application Word | PDF
   
3. National Employee Enrollment Form Online | Word | PDF
   
4. Arizona Employee Enrollment Form PDF
5. TX Employee Enrollment Form Online | Word | PDF
   
6. Idaho Universal Employee Enrollment Form Online | PDF
7. Caremark Mail Order Form
8. View a Current Drug List

Health Solutions - High Deductible Health Plans

Our High Deductible Health Plan (HDHP) can be enjoyed alone or it can be paired with a Health Savings Account for significant tax savings. HDHP members can use any bank to open a Health Savings Account and can take advantage of tax benefits, ease of payment, and online account administration.

Product Highlights:

1. HSA-compatible High Deductible Health Plans available
2. Preventive care services covered at 100%
3. Members can use any HSA bank*
4. Embedded and aggregate family deductible options available
5. Caremark Discount Only Card

*Employer groups and members can open an HSA with any bank.  If your client does not have an HSA provider, your BEST Life Sales Representative or General Agent can recommend one.

Prescription Coverage
Members on our High Deductible Health Plan will receive a Caremark Discount Only Card.  Benefits include the option to refill prescriptions by mail and to receive discounted prices from a Caremark pharmacy.  There are no co-pays, and costs for prescriptions are applied to the High Deductible Health Plan’s deductible and then to the coinsurance. 

Medical Sales Collateral

1. National Medical Benefit Brochure

Medical Enrollment Materials

1. National Employer Application Word | PDF
2. TX Employer Application Word | PDF
3. National Employee Enrollment Form Online | Word | PDF
4. Texas Employee Enrollment Form Online | Word | PDF
   
5. Arizona Employee Enrollment Form PDF
6. Idaho Universal Enrollment Form Online | PDF
7. Caremark Mail Order Form
   
8. View a Current Drug List

Pre-certification Services

BEST Life's health plans include cost-savings tools that benefit both the employer and the member.

Unnecessary or excessive medical costs are a waste that no individual or company can afford. With the increasing cost of hospitalization and health care, excessive medical costs can be avoided by simply remaining alert to proper utilization. BEST Life's Pre-certification services are required on our medical plans. Most of the time, doctors will file a Pre-certification on a member's behalf, but members can also call the phone number provided on the back of their ID cards to talk to a Registered Nurse and get a Precertification.

The phone numbers for both services are provided on the back of a member's ID card.

Vision Discount Programs

BEST Life offers qualifying Health plan participants a Vision Discount program through EyeMed.

Discounts for exams, glasses, lens options and add-ons, contact lenses and even laser vision correction are included with no limitations on frequency. Members can obtain these discounts through EyeMed's network; a BEST Life ID card will be necessary to obtain discounts.

Qualifying health plans include HSII groups who have multiple lines of BEST Life coverage and all HDHP groups.

In addition, all BEST Life vision participants get free access to QualSight's laser vision correction discount program, which offers 40 - 50% off the national average charge for laser eye surgery procedures.

Medical Network Availability

BEST Life has contracted with regional and national PPO networks to provide our members the best network coverage for their area.

BEST Life members who do not have PHCS/Multi Plan as their primary PPO network automatically get access to the wraparound PHCS/Multi Plan network. This provides members with in-network benefits even when they are outside their primary PPO service area!

For more information on providers, click on the name of the network to link to their website.

State	Network
Arizona	Arizona Foundation for Medical Care, First Health or PHCS/Multi Plan
Georgia, Missouri, Oklahoma, Tennessee	First Health or PHCS/Multi Plan
Idaho	Idaho Physicians Network, First Health or PHCS/Multi Plan
Indiana	Cofinity (formerly PPOM), Sagamore Health Network, First Health or PHCS/Multi Plan
Illinois, Ohio	Cofinity (formerly PPOM), First Health, or PHCS/Multi Plan
Nevada	Universal Health Network, First Health, or PHCS/Multi Plan
Texas	HealthSmart Preferred, First Health or PHCS/Multi Plan
Utah	Beech Street, a Viant Company, First Health or PHCS/Multi Plan